Are you overwhelmed by relentless phone calls from the debt collection law firm Patenaude & Felix (P&F)? If so, you don’t have to navigate through the situation alone. Aggressive collection tactics can often cross the line of legality, and you have rights that can protect you.
The Wood Law Firm can help you stop the harassment and potentially recover up to 💸$1,000 in statutory damages. Our services come at no cost to you, so you won’t have to pay anything out of your pocket.
Understanding Patenaude & Felix’s Phone Harassment
P&F is a debt collection firm based in San Diego, California. If you’re receiving persistent and disruptive phone calls from this firm, you could be experiencing what is known as phone harassment. This situation can be stressful and confusing, especially if the calls are frequent, occur at inconvenient times, or involve threatening behavior.
Signs of Phone Harassment
Phone harassment from Patenaude & Felix can manifest in various forms:
✅ Repeated Calls: If you receive multiple calls daily, especially unsolicited and relentless, this could be considered harassment. Calls at inconvenient hours, such as early morning or late night, further exacerbate the issue.
✅ Threats of Legal Action: Harassment may include threats by law firms to take legal action or garnish your wages, even if such actions are not legally justified or are exaggerated. These threats are part of their debt collection efforts to coerce payment through fear rather than legitimate legal processes.
✅ Contacting Third Parties: Another alarming sign is if Patenaude & Felix contact your family, friends, or neighbors about your debt. This practice invades your privacy and may also breach regulations intended to protect consumer confidentiality.
✅ Misleading or Aggressive Behavior: Misleading statements about the debt amount or the consequences of non-payment, along with aggressive tactics designed to intimidate you, are clear indications of harassment.
Legal Protections Under the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive, and unfair practices by debt collectors. Under the FDCPA, Patenaude & Felix, like all debt collectors, must adhere to specific guidelines when attempting to collect debts. Key provisions of the FDCPA include:
- Restrictions on Communication: Debt collectors cannot call you at odd hours or contact you through text messages after you’ve requested them to cease communication. They must also avoid using abusive or harassing language.
- Prohibition of Threats: Debt collectors cannot threaten legal action, wage garnishment, or asset seizure unless they are legally permitted to do so and have taken the appropriate legal steps.
- Privacy Protections: Collectors cannot disclose information about your debt to third parties, including family members, friends, or neighbors, without your consent.
🔗 Also read: Source Receivables Management, Debt Collection, Harassment
Taking Action Against Harassment
You have legal recourse if P&F violates these FDCPA guidelines. You can take the following steps to address and resolve the issue:
- Document the Harassment: Keep a detailed record of all interactions with Patenaude & Felix. Note the dates, times, content of conversations, and any other relevant details. This documentation will be crucial if you decide to take legal action.
- Send a Cease and Desist Letter: You may formally request P&F to cease all communication. Send this letter via certified mail to ensure they receive and acknowledge it.
- File a Complaint: You can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general’s office. These agencies can investigate the practices of debt collectors, even law firms, and may take action on your behalf.
- Seek Legal Counsel: Consulting with a debt settlement attorney experienced in debt collection and consumer rights can provide expert guidance. They can help you understand your debt settlement options, negotiate with the debt collector to settle them, and represent you in court if necessary.
Be cautious about debt settlement companies, as they may not adhere to the same legal standards as debt relief attorneys. It is crucial to take immediate action when faced with debt collection to safeguard your interests.
Legal Remedies and Compensation
If Patenaude & Felix’s actions violate the FDCPA, you can sue them in court. Successful legal action against the firm may result in:
Stopping the Harassment: A court order can prohibit P&F from continuing its abusive practices.
Statutory Damages: You may be entitled to up to $1,000 in statutory damages for the distress caused by the harassment, which can be a crucial part of your debt settlement attorney’s strategy.
Compensation for Legal Costs: In addition to statutory damages, you may also be able to recover attorney fees and court costs associated with the lawsuit.
Is Patenaude & Felix a Scam❓
Despite alleged controversial practices, the P&F debtor is not a scam. The company has been operational since 1992 and is a legitimate business entity. However, its history includes numerous complaints about alleged aggressive and sometimes unlawful collection tactics. The Better Business Bureau (BBB) has logged 12 complaints against P&F over the past three years, reflecting ongoing issues with their practices.
About Patenaude Felix’s Harassment
P&F is a third-party debt collection agency in San Diego, California. Over the years, this firm has been involved in over 150 federal court cases, primarily concerning allegations of rights violations in its debt collection processes, including cases related to unpaid consumer credit and card debt.
The company has faced legal action for allegedly employing questionable and aggressive tactics to coerce consumer payments.
📌Address: 4545 Murphy Canyon Rd., #300 San Diego, CA 92123
P&F uses various search names and abbreviations, including:
- ➤ Patenaude & Felix
- ➤ Patenaude and Felix
- ➤ P&F
- ➤ Patenaude & Felix APC
- ➤ Law Offices of Patenaude & Felix
- ➤ Patenaude Felix
- ➤ Patenaude & Felix Collection Agency
Recognizing Harassment Tactics
If P&F employs any of the following tactics, it may be violating the FDCPA:
- 🟢 Profanity or abusive language: using offensive or abusive language during calls.
- 🟢 Inappropriate Call Times: Contacting you before 8:00 a.m., after 9:00 p.m., or at other inconvenient times.
- 🟢 Excessive Calls: calling you multiple times per week.
- 🟢 Disclosure of Debt to Others: Discussing your debt with third parties is unacceptable.
- 🟢 Workplace Calls: Contact your employer after you have told them not to contact your workplace.
- 🟢 Threats: Threatening legal action, harm, or damage to your credit is against the law.
- 🟢 False Statements: Misrepresenting the amount owed or potential actions they may take. It is crucial to request debt verification to ensure the accuracy of the debt and protect your rights under the FDCPA.
- 🟢 Illegal Practices: The FDCPA prohibits sending false information to credit bureaus or causing your phone to ring excessively.
Known Phone Numbers Used by P&F
If you’re receiving calls from any of the following numbers, you may be dealing with P&F:
- 📞 800-832-7675
- 📞 702-952-2031
- 📞 800-867-3092
- 📞 503-208-2676
- 📞 412-429-7675
- 📞 866-772-7675
- 📞 206-441-4065
- 📞 866-606-3290
This list is incomplete, as P&F may also use other numbers. If you suspect you’re getting calls from Patenaude & Felix, contact us immediately. We can help you stop these calls and ensure your rights are protected.
🔗 Also read: ARM Solutions Debt Harassment
📌 FAQs About Patenaude & Felix
1. Is Patenaude & Felix a scam?
No. Patenaude & Felix is a legitimate debt collection law firm with decades of experience. However, it has faced criticism for allegedly aggressive collection practices that some consumers view as harassment.
2. Can Patenaude & Felix seize my property?
They cannot take property without legal authority. If the debt is secured (like a car loan or mortgage), collateral may be repossessed. For unsecured debts, they must first win a court judgment before pursuing asset seizure.
3. Can Patenaude & Felix sue me?
Yes, if your debt is within the statute of limitations in your state, P&F can file a lawsuit to recover it. A successful judgment could lead to wage garnishment or bank account levies.
4. Can Patenaude & Felix report my debt to credit bureaus?
Yes. They can report unpaid debts to credit bureaus, which can harm your credit score and affect your ability to get loans, credit cards, or rental agreements.
5. Can Patenaude & Felix arrest me?
No. Debt collectors cannot arrest you for unpaid debts. Arrests may only occur if you ignore court orders or fail to appear in court when required.
6. What types of debts does Patenaude & Felix collect?
They typically collect consumer debts such as credit cards, personal loans, medical bills, and student loans.
7. What should I do if I’m sued by Patenaude & Felix?
Do not ignore the lawsuit. Respond within the time limit stated in the court summons and consider consulting a consumer protection attorney for guidance.
8. How do I stop calls from Patenaude & Felix?
Send a written cease-and-desist letter via certified mail. Under the FDCPA, they must stop contacting you directly once they receive it.
9. What are my rights when dealing with Patenaude & Felix?
The Fair Debt Collection Practices Act (FDCPA) gives you the right to dispute the debt, request validation, stop communication, and sue if they harass or misrepresent the debt.
10. Can Patenaude & Felix garnish my wages?
Yes, but only after winning a court judgment. Wage garnishment rules depend on your state’s laws.
11. How long can Patenaude & Felix pursue a debt?
It depends on the statute of limitations in your state. Once the statute expires, they cannot sue you, but they may still attempt to collect.
12. How do I file a complaint against Patenaude & Felix?
You can file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general.
13. Can I get compensation if Patenaude & Felix violate my rights?
Yes. If they violate the FDCPA, you may be entitled to up to $1,000 in statutory damages, plus attorney fees and actual damages.
Complaints Against Patenaude & Felix Debt Collection Law Firm
Here are some examples of legal complaints filed against P&F:
- 👉 8:10-cv-01713-MLG Robin Ramirez v. P&F et al
- 👉 8:15-cv-01063-JLS-DFM Kristin Kelly v. P&F
- 👉 2:19-cv-00008-KJM-CKD Koval v. P&F
- 👉 5:07-cv-03396-JW Bankston v. P&F et al
- 👉 5:07-cv-04403-JW Aragon v. P&F et al
About The Wood Law Firm
The Wood Law Firm specializes in protecting clients from debt collection harassment, including issues related to phone calls. Since 2010, we have helped thousands of individuals combat aggressive and unlawful collection practices. Our firm boasts an A+ rating with the Better Business Bureau.
For immediate assistance or to learn more about how to stop harassment from Patenaude & Felix, call us at or visit our website.
Success Stories
✅ Empowering Relief and Justice: Client Experiences with The Wood Law Firm
At The Wood Law Firm, we pride ourselves on delivering exceptional results for our clients who face harassment from aggressive debt collectors. Our clients’ success stories highlight our commitment to protecting your rights and achieving justice. Here are some of their experiences:
✅ Turning Harassment into Relief
“I cannot express how grateful I am for the support from The Wood Law Firm. When I was being bombarded with harassing phone calls from a debt collector, I felt overwhelmed and unsure of how to proceed. The Wood Law Firm stepped in and took immediate action. Their team not only stopped the incessant calls but also communicated with me clearly about my rights throughout the entire process.”
Why Our Clients Trust Us
These testimonials reflect the core values of The Wood Law Firm: dedication, expertise, and client-focused service. Our mission is to stand up for your rights and provide practical solutions to debt collection issues. Whether it’s stopping harassment, securing compensation, or simply offering guidance, we are here to support you every step of the way. Don’t hesitate to contact us at ☎️ +1 844-638-1122.
Some Useful Links🔗:
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